Best Stocks to Buy in India for Short term – Aptus Value Housing Finance India Ltd

Our 38th company in the Series of Best Stocks to Buy in India for Short term 2022 is Aptus Value Housing Finance India Ltd.

This company is good for investing purpose or not ?

Let’s start with the Company profile

Company Profile :

Aptus Value Housing Finance India is an India-based housing finance company focused on offering financial solutions to self-employed middle-income customers from semi-urban and rural markets.

Now Let’s check the important fundamental figures of this company. This is a small cap company with Market Cap ₹17,368cr. We can check more fundamental details below in depth:

Company Fundamental Detail :

PE Ratio: 46.92

Sector PE Ratio: 21.02

PE Ratio of this company is high than Sector’s PE. So it’s a Below Average PE than the peers of this company.

PB Ratio : 5.96

Sector PB Ratio : 2.22

PB Ratio of this company is high than Sector’s PB ratio. So it’s Good PB than the peers of this company.

Dividend Yield : 0.05%

Sector Dividend Yield : 0.85%

Dividend Yield of this company is low than Sector. Dividend of this is Below Average than the peers of this company.

ROE: 11.14%

ROCE: 11.25%

ROE (Return on equity) and ROCE (Return on capital equity) is Below Average.

According to above data, this company is looking fundamentally average. Now We’ll check the company Financially data:

Company Financial Detail

YearRevenue(cr.)Profit(cr.)
2022840.21370.13
2021658.21266.94
2020523.72211.01
2019338.42111.70

We should check now liabilities of company also in the below table

Total Current & Non Current Liabilities

2022  2021 2020  2019
2,767.892,540.712,037.721,663.33

Liabilities of a company refers to the debt of that company. We should also aware the debt of company. In 2022 ,Company have 2,767.89Cr. debt.

Let’s check the Free Cash flow of the company

Free Cash flow

2022  2021 2020  2019
-727.18-622.36-737.29-716.72

Asset Level: Aptus Value Housing Finance Assets to Equity ratio (1.9x) is low.

Allowance for Bad Loans: Insufficient data to determine if Aptus Value Housing Finance has a sufficient allowance for bad loans.

Low Risk Liabilities: Aptus Value Housing Finance reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.

Loan Level: Insufficient data to determine if Aptus Value Housing Finance has an appropriate level of Loans to Assets ratio.

Low Risk Deposits: Aptus Value Housing Finance reports no customer deposits, loans are made up entirely of externally borrowed funds.

Level of Bad Loans: Insufficient data to determine if Aptus Value Housing Finance has an appropriate level of bad loans.

Share Holding Pattern

Promotor HoldingForeign Institution
Mutual Fund
Other Domestic InstitutionsRetail & Others
Jun 2022 62.35% 29.12%1.42% 1.43%5.69%
Mar 2022 62.35%29.01% 1.42% 1.35%5.88%
Dec 2021 62.35%28.64%1.17%1.36% 6.49%
Sep 2021 62.35%27.94%1.17%1.36%7.02%

Above table showing there is no big change in Promotor Holding which is 62.35% in June 2022. FIIs invested in June 2022 with 29.12% and retail investor is 5.69% .

Investment Checklist for Aptus Value Housing Finance India Ltd.

  • The company is currently profitable
  • Volatile share price over the past 3 months
  • Earnings are forecast to grow by an average of 17.5% per year for the next 3 years
  • The company’s earnings are high quality
  • Profit margins improved or Aptus Value  became profitable
  • They have sufficient analyst coverage
  • No concerning events detected
  • Shareholders have not been meaningfully diluted in the past year or recently listed
  • Revenue is meaningful (₹7B)
  • Market cap is meaningful (₹174B)
  • Aptus Value does not have negative shareholders equity.

According to its historical performance we can predict stock target.

Entry Buying Zone : Premium members can see only

Target: Premium members can see only

Time Horizon:Premium members can see only

Risk Profile: Premium members can see only

Hope you liked Our 38th company in the Series of Best stocks to buy in India for short term 2022. We tried to cover many important things about this company, if you think anything left to cover, you can comment us and we’ll try to cover those things also.

Disclaimer: This is an Educational Initiative and is NOT registered under any SEBI regulations. All the information that we provide is just for Educational purposes and you should consult your financial adviser before taking any investment decision. Also we do NOT provide any form of Stock Tips or Advise on stocks or portfolios. My All Trades Only Education Purpose. All trades will be at your risk. You have the responsibility of any trade or any benefit or loss.

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